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Business building insurance


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  • Option to pay monthly - helping your cash flow
  • All types of buildings & businesses covered including unoccupied
  • Public & Employers liability as standard
  • Loss of rent for up to 25% of the sum insured
  • Cover for fire, theft, vandalism, storm damage
  • Business interruption cover as standard

Business building insurance

If you have invested in commercial property, you are likely to want protection against the many risks and perils to which any building may be vulnerable.

In the event of damage to the structure and fabric of the building, the cost of repairs may otherwise be extremely expensive, whilst more major incidents might even result in the total destruction of the property – leaving you with a huge bill to reinstate or completely rebuild it.

Why do you need business building insurance?

Business building insurance typically provides protection against a wide range of risks – many of them potentially very damaging:

  • earthquakes, explosions and fire;

  • terrorism – a sad reflection of the times in which we live, with cover now typically included as an optional extra;

  • smoke damage;

  • subsidence – although some policies may exclude this risk;

  • flooding – again, some policies may exclude this risk if the property is situated in an area known to be especially vulnerable to flooding;

  • storm damage;

  • impacts – from such objects as falling trees and branches, aircraft and vehicles;

  •  vandalism; and

  • theft.

Since a number of these threats may result in the complete destruction of the premises, the total sum insured for business building cover needs to reflect the current cost of reconstruction.

If there is an insured incident which requires the total or partial closure of the premises whilst repairs or rebuilding is done, you might want to ensure that your business building insurance also provides compensation for the interruption of your business activities.

What you need to know when buying cover

If you have invested in commercial property, there may be two important considerations when arranging your business building insurance:

  • do you intend to let the property; and

  • are there occasions when the premises may be vacant and unoccupied.

In the first instance, you may want to make sure that your insurance specifically covers your role as a landlord of the property and provides cover for those particular responsibilities and liabilities which come with that role.

You might also want to ensure that in the event of an insured incident leaving the premises temporarily unusable by your tenants, that your business building insurance provides compensation for your loss of rental income.

If the premises are to lie empty and unoccupied for any length of time, you also need to ensure that the cover either includes the protection you need during such periods or to make arrangements for unoccupied property insurance.

Why choose us?

At UKinsuranceNET we take the protection of your commercial premises as seriously as you do.


We are able to arrange cover for all types of commercial buildings and all kinds of businesses, with an eye on providing the widest and most reliable protection, yet at a rate which remains competitive and with the cost of premiums spread over monthly instalments if that is required.